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Employed & Sub Contractor Mortgages I have recently dealt with several clients who have contracted themselves to perhaps one, two or a few organisations, where they rely on written contracts specifying levels of pay, hours of work, employment location, details of tasking etc. There are several lenders who will accept applications from this group, where…

Since self-certification mortgages were abandoned by many mortgage lenders several years ago, it has become really difficult for employed and self employed people to prove their income to get a mortgage to help buy property. I have had some success in the past with helping clients receive mortgage offers depending on an individual’s circumstances.  Many self…

I have recently had a situation where a client had a succesful business, yet their salary plus dividends had been declining for the last 3 years.  Many UK lenders would not take an average of the last 3 years income, and the last year’s figures based purely on salary plus dividends were not enough to…

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